ICICI Bank
Emeralde Private Metal
Invite onlyPremiumMetalLoungeGolf
Checked 2 Oct 2026 ·
Annual fee₹12,499+ GST
Forex markup2%
Interest3.75%a month
NetworkMastercard
You earn
Perks & rules
What changed
15 Jan 2026One-time ₹3,500 + GST fee for each add-on card
15 Jan 2026Rupee payments abroad or to merchants registered abroad now charged 2%
15 Jan 2026New 1% fees on wallet loads of ₹5,000+ and transport spends over ₹50,000, and 2% on skill-gaming
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asReward points
Base rate6 points per ₹200 spent
Higher ratesNone stated
Limits
- Grocery, utilities and education: up to 1,000 points each per statement cycle
- Insurance: up to 5,000 points per statement cycle
- Redeeming against your bill: up to 50,000 points per statement cycle
Doesn't earn on
- Rent, fuel, government, tax, property management and wallet loads
- Points reversed if a spend is converted to EMI
Where it landsTo your ICICI Bank Rewards account within 5 working days of the statement
What a point is worth
Value₹1 on flight/hotel and select brand vouchers, ₹0.60 on other catalogue items, ₹0.40 against your bill
Expiry36 months from the date issued
Redemption feeNil for catalogue redemptions on this card
Welcome benefit
Welcome12,500 points, 1-year Taj Epicure Plus and EazyDiner Prime memberships after the fee is paid (points and EazyDiner again each year)
Milestones
Milestones
- ₹3,000 EaseMyTrip flight voucher at ₹4 lakh and another at ₹8 lakh yearly spend
Airport lounges
DomesticUnlimited, for primary and add-on cardholders
InternationalUnlimited via Priority Pass, for primary and add-on cardholders
Fuel
Fuel1% surcharge waiver at all pumps on transactions up to ₹4,000; up to ₹1,000 a statement cycle; no points on fuel
Spending abroad
Forex markup2%
Fees
Joining fee₹12,499 + GST
Annual fee₹12,499 + GST from the second year
Fee waiverAnnual fee waived on ₹10 lakh spend in the year (rent, government, education and EMI spends don't count)
If you pay late
Late feeNil
Interest3.75% a month (45% a year)
Cash withdrawalNo cash advance fee; interest from day one
Who can apply
Age21–65 years
SalariedBy invitation only, through your Relationship Manager
Self-employedBy invitation only, through your Relationship Manager
More perks
Perks
- Unlimited golf rounds or lessons (primary only)
- BookMyShow: buy one, get up to ₹750 off the second ticket, twice a month
- Cancellation cover up to ₹12,000 on domestic flight/hotel/movie bookings (first two cancellations)
- Air accident cover ₹3 crore
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Emeralde Private Metal product page Product page · 2 Oct 2026
- Emeralde Private Metal Credit Card T&C Card T&C · 21 May 2026
- ICICI Bank Credit Card MITC Fee schedule · 2 Aug 2026
Card image: ICICI Bank's own website.
